SMART PORTFOLIO

Investing simplified

SMART Portfolio offers professionally managed portfolio services,

utilising our Cyborg Methodology. With fees starting from as low as

0.5% per annum, we make it easy for you to grow your wealth.

Enjoy Upsized Earnings​

For a limited time only (17 April 2023 to 16 June 2023), enjoy Upsized Earnings of 1.5% p.a. on top of the rates SMART Park grows at! Deposit into SMART Park and enjoy Upsized Earnings!
 
Start from as low as S$100! 

Rate updated as of 5 September 2022.




#Based on the average rate of annualised returns over the last rolling week.




Past performance is not necessarily indicative of future performance. View disclaimer.

SMART Park Rates:

Return (7 day) Annualised*

SGD

2.9003%p.a.

Rate updated as of 5 September 2022.

#Based on the average rate of annualised returns over the last rolling week.

Past performance is not necessarily indicative of future performance. View disclaimer.

Minimum
Holding Period
1 month
 
Deposit Amount
S$100-S$10,000
 
Potential Returns

2.90%p.a.    +1.5%

Return (7 day) Annualised*

Minimum
Holding Period
1 month
 
Deposit Amount
S$100-S$10,000
 
Potential Returns

2.90%p.a.    +1.5%p.a.

Return (7 day) Annualised*

Why SMART Park

SMART Park is an Excess Funds Management Facility that invests and manages your idle cash automatically, at discretion.
Make your money work HARDER and SMARTER!
No lock-in period
 
Withdraw anytime! Cash will be back into your linked bank account on the same day!
Do note: in order to enjoy upsized returns, there is a minimum holding period of month.                       
lock
Real Return, Not Projection
 
Rates illustrated are real returns!
dollar
Trusted with S$ 1+ Billion
 
One of the Largest^ retail SGD MMF, consisting of high quality, short-term instruments, including
  • High quality government and corporate bonds
  • Commercial bills and fixed deposits.
Trusted Financial Institution
 
Serving institutions and retail investors for 45+ years
Trusted Financial Institution
 
Serving institutions and retail investors for 45+ years
 
 
 
lockand arrow
No lock-in period
 
Withdraw anytime! Cash will be back into your linked bank account on the same day!
Do note: in order to enjoy upsized returns, there is a minimum holding period of month.                       
lock
Real Return, Not Projection
 
Rates illustrated are real returns!
dollar
Trusted with S$ 1+ Billion
 
One of the Largest^ retail SGD MMF, consisting of high quality, short-term instruments, including

  • High quality government and corporate bonds
  • Commercial bills and fixed deposits
Trusted Financial Institution
 
Serving institutions and retail investors for 45+ years
 
 
 
lockand arrow

Based on Total Net Asset (TNA) figures reflected in FundSingapore.com

How to qualify for this promotion?

New Users

Open an Account

Open an Account with MyInfo instantly

Open Account

Opt-in to SMART Park

Opt-in to Excess Funds Management (SMART Park)

 Deposit
Deposit at least S$100 into your Account to start growing your funds
 

Deposit

New Users

Open an Account

Open an Account with MyInfo instantly

Open Account

Opt-in to SMART Park

Opt-in to Excess Funds Management (SMART Park)

 Deposit
Deposit at least S$100 into your Account to start growing your funds
 

Deposit

Frequently Asked Questions

Individual Cash Plus, Cash Management, Margin, Prepaid, and Custodian Accounts.

No. Cash Trading and Share Financing Accounts are not eligible for this promotion. You may consider opening an eligible account type or converting your Cash Trading account to a Cash Management Account.

Login to POEMS 2.0 Website > Acct Mgmt > Stocks > Online Forms. Cash Trading Account with existing GIRO facility has to be terminated before we are able to process the conversion of your existing Cash Trading or Share Financing Account to a Cash Management Account.

Yes. You are allowed to use the funds to trade on POEMS. However, to be eligible for this promotion, only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.

Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawals or settlements using the deposited funds during the holding period will be excluded from the calculation.

Yes. You are allowed to deposit a total of S$10,000 within 7 days from your first deposit to participate in this promotion. You can top up more than S$10,000 to SMART Park. We will reward you with the additional 1.5% (on up to S$10,000) while your balance idle cash continues to earn returns from SMART Park.

Yes, you can top up more than S$10,000 into SMART Park. We will reward you with the additional 1.5% returns (on up to S$10,000) while your balance idle cash continues to earn returns from SMART Park.

1.5% p.a. bonus payout = 1.5% x (amount deposited capped at S$10,000) / 12

SMART Park Rates shown on the website are based on 7-days annualised return, with net income and dividends reinvested and calculated on a single pricing basis (NAV/NAV prices). Returns shown are net of fund expenses. Past performance is not necessarily indicative of future performance.

Yes. You can continue to keep your idle cash in SMART Park to earn better returns to combat inflation.

Yes. You can withdraw your money anytime. However, please note that in order to be eligible for this promotion, you need to fulfill the 30 days holding period requirement. Beyond this promotion, customers can still utilise SMART Park to earn returns on your idle cash!

Upon first deposit, customers will have 7 days to complete all deposits to participate in this promotion. After 7 days, the 30 days holding period will begin. Upon fulfilling this, customers will receive the additional 1.5% p.a. bonus return.

To view the returns earned, please login to your POEMS Account and go to Acct Mgmt > Stocks > Transaction History > Summary of Portfolio > MMF.

Example scenario 1: Client A deposited S$5,000 on the 3rd day after opting into SMART Park, and deposited another S$3,000 on the 20th day. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be paid into the account at the end of the holding period. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. bonus payout. In this example, 1.5% p.a. bonus will only be rewarded for the net balance of S$5,000 deposit.

Example scenario 2: Client B deposited S$10,000 on the 3rd day after opting into SMART Park and made a buy stock transaction worth S$5,000. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be rewarded on the balance  of $5,000. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. In this example, 1.5% p.a. bonus will only be rewarded for the net balance of deposit of S$5,000.


Terms & Conditions

1. This promotion period is valid from 17 April 2023 (1200 hrs) to 16 June 2023 (2359 hrs), both dates inclusive.

2. Customers must opt into Excess Fund Management Facility (SMART Park) and fund a minimum of S$100 into their POEMS account. Upon first deposit, customers will have 7 days to fund the entire amount to participate in this promotion. After 7 days, the 30-day holding period will begin. Upon fulfilling this, customers will receive a one-time additional 1.5% p.a. bonus return on the funded amount (min S$100, capped at S$10,000), on top of SMART Park returns.

3. *Holding Period: Period to keep funds in the account with no withdrawal of funds during this period

4. Qualifying account types:
4a. New Customers (users who register for a POEMS Account for the first time, and have not yet held any POEMS Accounts previously) during the promotion period.
4b.Existing Customers who opt-in during the promotion period.
4c. Applicable to individual Cash Plus, Cash Management, Prepaid, Custodian, Margin accounts.

5. Payout of 1.5% p.a. bonus return is capped at S$10,000 of deposit per Customer.

6. Payout of 1.5% p.a. bonus will be paid within 30 days upon fulfillment of the holding period.

7. The deposit has to be a fresh fund. Fresh funds refers to cash transferred from a bank account (this does not include funds transferred from Phillip Accounts, internal transfers, and sales proceeds).

8. Only the net balance of deposits at the end of the 30-day holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.

9. The 1.5% p.a. bonus return only applies to SGD deposits received as per point 2 and will be calculated based on the 30-day holding period.

10. All fresh funds have to be deposited by 16 June 2023 to be eligible for this promotion.

11. Customers must be at least 18 years of age and not a US Person (an individual who is a US Citizen or US resident).

12. Each Customer is only eligible for one bonus returns reward.

13. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision is final.

14. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to
(i) amend, add and/or delete these Terms and Conditions without prior notification (including eligibility; replacement of the reward; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or
(ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.

15. The following persons are not eligible to participate in those promotions unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
i) PSPL institutional Customers and corporate Customers
ii) PSPL Account holders whose Accounts have been suspended, cancelled or terminated
iii) All employees of PSPL and its associated entities; PSPL and all its subsidiaries
iv) Joint Account holders

16. By taking part in this campaign, the participant acknowledges that he / she has read and consented to these Terms & Conditions.

17. This advertisement has not been reviewed by the Monetary Authority of Singapore.

UPSIZED EARNINGS  – LIMITED TIME ONLY

Grow your cash at higher yields with SMART Park

Contact us to Open an Account

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IMPORTANT INFORMATION

This material is provided by Phillip Capital Management (S) Ltd (“PCM”) for general information only and does not constitute a recommendation, an offer to sell, or a solicitation of any offer to invest in any of the exchange-traded fund (“ETF”) or the unit trust (“Products”) mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You should read the Prospectus and the accompanying Product Highlights Sheet (“PHS”) for key features, key risks and other important information of the Products and obtain advice from a financial adviser (“FA“) pursuant to a separate engagement before making a commitment to invest in the Products. In the event that you choose not to obtain advice from a FA, you should assess whether the Products are suitable for you before proceeding to invest. A copy of the Prospectus and PHS are available from PCM, any of its Participating Dealers (“PDs“) for the ETF, or any of its authorised distributors for the unit trust managed by PCM.  

An ETF is not like a typical unit trust as the units of the ETF (the “Units“) are to be listed and traded like any share on the Singapore Exchange Securities Trading Limited (“SGX-ST”). Listing on the SGX-ST does not guarantee a liquid market for the Units which may be traded at prices above or below its NAV or may be suspended or delisted. Investors may buy or sell the Units on SGX-ST when it is listed. Investors cannot create or redeem Units directly with PCM and have no rights to request PCM to redeem or purchase their Units. Creation and redemption of Units are through PDs if investors are clients of the PDs, who have no obligation to agree to create or redeem Units on behalf of any investor and may impose terms and conditions in connection with such creation or redemption orders. Please refer to the Prospectus of the ETF for more details.  

Investments are subject to investment risks including the possible loss of the principal amount invested. The purchase of a unit in a fund is not the same as placing your money on deposit with a bank or deposit-taking company. There is no guarantee as to the amount of capital invested or return received. The value of the units and the income accruing to the units may fall or rise. Past performance is not necessarily indicative of the future or likely performance of the Products. There can be no assurance that investment objectives will be achieved.  

Where applicable, fund(s) may invest in financial derivatives and/or participate in securities lending and repurchase transactions for the purpose of hedging and/or efficient portfolio management, subject to the relevant regulatory requirements. PCM reserves the discretion to determine if currency exposure should be hedged actively, passively or not at all, in the best interest of the Products.  

The regular dividend distributions, out of either income and/or capital, are not guaranteed and subject to PCM’s discretion. Past payout yields and payments do not represent future payout yields and payments. Such dividend distributions will reduce the available capital for reinvestment and may result in an immediate decrease in the net asset value (“NAV”) of the Products. Please refer to <www.phillipfunds.com> for more information in relation to the dividend distributions.  

The information provided herein may be obtained or compiled from public and/or third party sources that PCM has no reason to believe are unreliable. Any opinion or view herein is an expression of belief of the individual author or the indicated source (as applicable) only. PCM makes no representation or warranty that such information is accurate, complete, verified or should be relied upon as such. The information does not constitute, and should not be used as a substitute for tax, legal or investment advice.  

The information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject PCM to any registration or licensing requirement in such jurisdiction or country. The Products is not offered to U.S. Persons. PhillipCapital Group of Companies, including PCM, their affiliates and/or their officers, directors and/or employees may own or have positions in the Products. Any member of the PhillipCapital Group of Companies may have acted upon or used the information, analyses and opinions herein before they have been published. 

This advertisement has not been reviewed by the Monetary Authority of Singapore.  

 

Phillip Capital Management (S) Ltd (Co. Reg. No. 199905233W)  
250 North Bridge Road #06-00, Raffles City Tower ,Singapore 179101 
Tel: (65) 6230 8133 Fax: (65) 65383066 www.phillipfunds.com